【正文】 le” and so on the characteristics, proposed “the automobile finance service profit pattern core factor was the customer loyal degree of satisfaction”, “the automobile finance service profit pattern secondary factor is the automobile finance service transmission quality”. Also to “the market concentration degree”, “the market entered the barrier”, “the market mechanism” and so on the market parameters has carried on the description. I the Western economic “the market analysis” the theory introduction, will also analyze and obtain “the perfect petitive market to the automobile finance service profit pattern nonserviceability”, “have monopolized the market pletely to the automobile finance service profit pattern nonserviceability”, “the monopoly struggled the market mechanism unexpectedly to the automobile finance service profit pattern serviceability”, “the oligopoly market to the automobile finance service profit pattern serviceability” the conclusion, and has specifically analyzed under each kind of market condition, automobile finance service profit pattern running status. In this part, my another new viewpoint is, proved the automobile finance service to rise in value fully the profit pattern necessity, the concrete method, the fund position, the investment principle, the investment portfolio. Also introduced I apply the investment bank fundamental research development one kind of typical automobile finance service to raise in value the profit pattern “to buy the vehicle to manage finances the profit pattern”. If the automobile finance service profit pattern is a core, then the credit administration is controls this pattern the key. After inspects “the credit theory”, “the consumer credit theory” these theory origin, has emphatically analyzed the automobile finance service credit system function and the automobile finance service credit system specific connotation and the category, emphasized the key point is eliminates the automobile finance the information dissymmetry, according to credit rank decision financing quantity and deadline. Also “paid (deposit) to selfto restrain the mechanism”, “the joint and several liability mechanism”, “the credit system mechanism” and so on the automobile finance service credit operations machine has manufactured the description, has established the measure automobile finance service individual loan risk and the automobile finance reimburses ability management the essential method, and established the automobile finance service credit system on our country to propose the countermeasure. The automobile finance service financing structure plays is gathering accepts the fund the role, is the support, the guarantee automobile finance profit pattern display function “the power” .It both automobile finance profit pattern control, and reaction in automobile finance profit pattern, therefore, met down has conducted the research to it. The automobile finance service pany finances the structure rationale to have “the financial capital to say”, “the banking capital circulation said”, and “the transaction expense said”. The automobile finance service financing history process has experienced “endogen financing”, “extraneous source financing” and “highly effective in extraneous source financing”. Has analyzed the automobile finance service pany39。s several kind of main financing form, specially introduced in the automobile finance credit property securitization financing form, in the automobile finance service intangible asset capitalization financing strategy, in the automobile finance service special permission management financing strategy, in the automobile finance service project financing strategy, the automobile finance service level border financing strategy. The automobile finance service product development sells the camp is the entire system final link, it realizes the automobile finance profit pattern tool, is the automobile finance credit administration carrier, is the automobile finance financing mechanism op